Jeffrey Black is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been associated with Cambridge since 2007 and also serves as president of The Legacy Group, Inc., which provides consulting services to nonprofits. Outside of advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing proprietary and third-party strategies tailored to client objectives across multiple custody platforms.

Zachary Claypool is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Kyle Golley is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Northwestern Mutual, Redners, OS Restaurant Services, and other companies across various sectors. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Joseph Nickerson is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at T. Rowe Price from 2012 to 2021. Nickerson is based in Hunt Valley, Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Anthony Sparacino is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, and several positions outside the financial sector, including involvement with Team Maryland Lacrosse and US Sports Camps. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Jason Connor is a financial advisor at UBS Financial Services with 15 years of industry experience. He holds a Series 66 designation and has been with UBS since 2012. Outside of his advisory role, he serves on the board of directors for Sportsboosters of Maryland, a nonprofit organization focused on donating sporting equipment. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor investment plans based on proprietary research and capital market assumptions.

Lawrence Adam III is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Deutsche Bank Securities Inc and has served as a professor at Loyola University Maryland since 2018. Raymond James & Associates is a large, dual-registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning and investment consulting with a range of portfolio management styles, municipal advisory services, and specialized employer consulting programs.

Daniel Colligan is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked at Bank of America and Merrill for the past 10 years. Outside of his advisory role, he works as a consultant and independent contractor delivering goods for Walmart Spark. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

David Martin is the Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity for over 25 years, where he assists clients and their families with understanding and working towards their financial objectives. He utilizes Fidelity's technology and resources to help clients create, implement, and maintain their financial plans. Prior to his current role at Fidelity, David held positions as a Financial Consultant and Investment Consultant within the firm, and earlier worked as a Financial Planner at Raymond James and Associates. His experience spans various financial planning and consulting roles, providing him with a broad understanding of the financial services industry. Outside of his professional work, David has interests in fitness, golf, and reading.

Stephen Moran is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides various advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

David Adams is a Series 66-licensed financial advisor with Robert W. Baird & Co., based in Towson, MD, and has 18 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Outside of his advisory role, he owns and operates a self-storage facility through MEAD Investments LLC. David is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services using a combination of in-house and third-party managers, including discretionary and non-discretionary approaches as well as tax and goal-management overlays.

Benjamin Petrilli is a Series 66-credentialed financial advisor with 23 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. He also serves as a power of attorney for his mother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Kenneth Diblasi is a Series 66-credentialed financial advisor at Morgan Stanley with 16 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a variety of investment, advisory, and financial planning services.

Angela Candelaria is a financial advisor at Merrill with a Series 66 designation and over 16 years of experience in the industry. She has been with Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Daniel Miller is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC., where he gained extensive experience in insurance and securities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, model portfolio management, third-party asset management, and access to various brokerage and insurance products through an integrated advisory and brokerage platform.

James Mc Cormick is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and three years of industry experience. His prior roles include positions at T. Rowe Price and Ames Watson. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools in its discretionary process.

Christopher Ruby is a CFP® and holds a Series 66 license, with 16 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors Corporation, T Rowe Price, Allstate Insurance Company, and Lincoln Financial Advisors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services across multiple advisory platforms, employing asset-allocation tools and third-party solutions to manage portfolios that include various asset types and investment styles.

Patrick Dougher is a financial advisor with Merrill, holding a Series 66 designation and ten years of industry experience. He has been with Merrill and its affiliated Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lauren Kaufman is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill and its affiliate Bank of America, N.A. since 2016. Outside of her advisory role, she works as an independent contractor delivering food for DoorDash. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions. The firm combines internal and third-party management teams to implement trading and account administration across a range of asset allocation approaches.

Jeremy Kober is a Wealth Management Advisor with Merrill Lynch Wealth Management and a partner with The Pearce Group. In his role, he focuses on investment planning and serves as a Retirement Benefits Consultant. Jeremy coordinates clients' personal financial planning with their other professional advisers and employs analytical tools such as cash flow analysis, net worth analysis, and customized investment planning to help clients understand the impact of their financial decisions on their future. Jeremy has been in the investment industry since 2001 and has been with Merrill Lynch since 2010. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, he has earned the Certified 401(k) Professional (C(k)P®) designation from The Retirement Advisor University in collaboration with UCLA Anderson School of Management Executive Education, the Certified Divorce Financial Analyst® (CDFA®) designation from the Institute of Divorce Financial Analysts, and is a Certified Plan Fiduciary Advisor® (CPFA®). Jeremy holds a bachelor's degree from McDaniel College. His client focus areas include college education planning, corporate executive services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and retirement income. Outside of his professional work, Jeremy is involved with Forest Hill Lacrosse and Jarrettsville Lacrosse and enjoys camping, cooking, fishing, football, gardening, reading, running, spending time with his family, traveling, and watching movies.